We're Perch Loans

A new type of online lender dedicated to helping you see things from a better place.

Where other lenders simply see a number, we see a person full of potential. From better rates and larger loan amounts to easier application and support, we branch out from the rest to help you be your best.

Why Perch Loans?

Better Rates and Longer Terms from Perch

Better rates and longer terms than many short-term loans.

Apply in Minutes

Apply in minutes.
Instant approval decision.
Same-day funding.*

Guaranteed money back from Perch Loans

Money back guarantee -- if you change your mind within 3 business days, repay the principal with no fees.

Flexibility to Push a Payment with Perch Loans

Flexibility to push a payment with no additional interest.**

Ability to earn higher amounts with Perch Loans

Ability to earn higher amounts and lower rates on future loans.

*Approvals before 10:30 AM ET (M-F) are typically funded by 5 PM ET same-day. Approvals after 10:30 AM ET are normally funded the morning of the next banking day.

**Once per loan term; restrictions apply.

Perch customers give us 5 stars

"The process was quick easy and they keep you informed through the whole process."

— Charlicia

"Very easy process. Money was in my account the next morning."

— Jean

"Straight forward and Self-explanatory application. Quick to respond. Direct deposit is great. Easy to Access Account on line. Thank you."

— Shelly